Executive Summary

EXECUTIVE SUMMARY
I
EXECUTIVE SUMMARY
Project Title: Study of Awareness about Mutual Funds in Pune Region

Company Name: Sahara India Financial Corporation Ltd., Pune
Location: Pune
Until a decade ago, an investor would have invented only in banks FDs, company FDs, post
office saving insurance and the assured return scheme of banks. Today the time has changed;
investors are indirectly participating in equities with considerable proportion of their savings
through Mutual Fund. Investment through mutual fund is provided by various AMCs, brokers
and other financial service providers.
Sahara India Financial Corporation Limited, (SIFCL) is the flagship company of Sahara India
Group. Incorporated in 1987, SIFCL is the First Residuary Non-Banking Company (RNBC) in
India that has been granted certificate of registration by RBI and is considered to be a leading
public deposit mobilization company in the Private sector. The Sahara India Group, has over
the years emerged as a multi-service and multi-product business conglomerate with diverse
interests in fields such as Life Insurance, Para banking, Housing, Infrastructure & Tourism,
Consumer Products, Media & Entertainment. SIFCL, set up in 1987, has a depositor base of
4.25 core and 1,508 service centers all over India.
The need to do this project was that as Indian Mutual Funds Industry has been definitely
maturing over the period. The government policies like tax benefit added advantage to growth
of mutual funds. To find out what are the additional factors that attract customers to invest in
mutual funds over other avenues. This in all the way leading to pool of more and more money
from customers and the market into the Mutual Funds. The better the channel would know the
product the better would they promote the product, thus to educate them, to make them aware
about the schemes is done in this project.
II
Research Methodology
Research Approach: Quantitative Approach has been followed in this research project.
Research Type: Descriptive
Sampling method: Probability (Area Sampling – Random selection within each area)
Sample Plan:
Sample Universe: Pune City
Sample Unit: J.M.Road, Raviviar Peth, Kalyani Nagar, Bund Garden and Yeravada
Sample Size: 100 respondents
Research Instrument Structured questionnaire: In this project the researcher has got
responses from Pune. The researcher visited the different people in different areas of Pune
city.
Research Objective:
 To identify the reasons for buying Mutual Funds and expectations from Mutual Funds.
 To find the various factors which affect the decision of investors while investing in
Mutual Funds scheme
 To find investor’s awareness about mutual funds
 To find various methods adopted by AMCs to sell Mutual Funds in market.
Limitations:
 Some samples were not so responsive to the questionnaire
 Error margin is not big, but not very small too in data collection because many of the
investors may have not given actual answers to the questionnaire
 Scale of the project does not completely represent the Mutual Funds market
 Some respondents were reluctant to disclose personal information which may have
affected the validity of their responses
 The project was conducted at the time of the worst global recession of decades, and
this may have affected sample responses and the project data.
III
INDEX
SR.NO. TITAL PAGE NO
1 INTRODUCTION 1
2 INDUSTRY / SECTOR PROFILE 4
2.1 MUTUAL FUND INDUSTRIES IN INDIA 5
2.2 TYPE OF MUTUAL FUND 10
2.3 WORKING OF MUTUAL FUND 14
2.5 FUND STRUCTURE & CONSTITUENTS 17
2.6 DIFFERENT METHODS ADOPTED BY VARIOUS ASSET 20

MANAGEMENT COMPANIES TO SELL THEIR MUTUAL
FUNDS
2.7 AMC’S PROMOTION AND CAMPAIGNING OF MUTUAL

FUNDS 22
3 COMPANY AND PRODUCT PROFILE 23
3.1 COMPANY PROFILE 24
3.2 IMPORTANT POINT 25
3.3 SAHARA INDIA PARIVAR OVERVIEW 26
3.4BUSINESS ENTITIES 28
3.5THE MAN AND HIS VISION 30
3.6 SAHARA’S CORE COMMITMENTS - OUR STRENGT 32

IV
3.7 SAHARA INDIA PARIWAR'S PHILOSOPHY 34
3.8 SAHARA INDIA FINANCIAL CORPORATION LIMITED 35
3.9 Type of Mutual Fund Schemes 37
3.10 COMPETITORS 42
3.11 SWOT ANALYSIS 43
4 LITERATURE SURVEY 44
5 OBJECTIVE AND SCOPE 47
5.1OBJECTIVE 48
5.2 SCOPE OF STUDY 49
6 RESERCH METHODOLOGY 50
7 DATA ANALYSIS AND INTERPRITATION 54
8 OBSERVATION AND FINNDING 66
9 CONCLUSION 69
10 SUGESSION AND RECOMMENDATION 70
11 REFERANCES 72
12 ANNEXTURE 74
LIST OF DIAGRAM / GRAPH
SR. NO. DAIGRAM / GRAPH TITAL PAGE NO.
1 2.1 GROWTH IN ASSETS UNDER MANAGEMENT 8
V
2 2.2 CATEGORIES OF MUTUAL FUND 9
3 2.3DIFFERENT TYPES OF MUTUAL FUND 11
4 2.4 WORKING OF A MUTUAL FUND 14
5 3.1 PROFIT SHARING 25
6 3.2 BUSINESS ENTITIES 28
7 7.1 ARE YOU AWARE OF MUTUAL FUNDS 55
8 7.2 WHICH TYPE OF MUTUAL FUNDS ARE YOU AWARE 56

OF?
9 7.3 IN WHICH MUTUAL FUND SCHEME YOU PREFER TO 57

INVEST?
1O 7.4 ARE YOU AWARE ABOUT SAHARA MUTUAL 58

FUNDS?
11 7.5 HAVE YOU INVESTED IN SAHARA MUTUAL FUNDS? 59
12 7.6 HOW DID YOU KNOW ABOUT MUTUAL FUNDS? 60
13 7.7 WHAT IS YOUR PRIMARY INVESTMENT PURPOSE? 61
14 7.8 HOW OFTEN DO YOU MAKE INVESTMENT 62

DECISIONS AND EXECUTE THEM TOO?
15 7.9 BEING A MUTUAL FUND INVESTOR, ARE YOU 63

AWARE OF THE VARIOUS SCHEMES OFFERED BY THE
VI
ASSET MANAGEMENT COMPANIES (AMC)
16 7.10 WOULD YOU BE INTERESTED TO KNOW MORE 64

ABOUT MUTUAL FUNDS?
17 7.11 PLEASE ANSWER THIS QUESTION IN CASE YOU 65

ARE NOT INVESTING/ AWARE IN MUTUAL FUND
LIST OF TABLE
SR. NO. TABLE PAGE NO.
1 3.1 SHARA INDIA PARIVAR 24
2 7.1 ARE YOU AWARE OF MUTUAL FUNDS 55
3 7.2 WHICH TYPE OF MUTUAL FUNDS ARE YOU AWARE 56

OF?
4 7.3 IN WHICH MUTUAL FUND SCHEME YOU PREFER TO 57
VII
INVEST?
5 7.4 ARE YOU AWARE ABOUT SAHARA MUTUAL FUNDS? 58
6 7.5 HAVE YOU INVESTED IN SAHARA MUTUAL FUNDS? 59
7 7.6 HOW DID YOU KNOW ABOUT MUTUAL FUNDS? 60
8 7.7 WHAT IS YOUR PRIMARY INVESTMENT PURPOSE? 61
9 7.8 HOW OFTEN DO YOU MAKE INVESTMENT DECISIONS 62

AND EXECUTE THEM TOO?
10 7.9 BEING A MUTUAL FUND INVESTOR, ARE YOU AWARE 63

OF THE VARIOUS SCHEMES OFFERED BY THE ASSET
MANAGEMENT COMPANIES (AMC)
11 7.10 WOULD YOU BE INTERESTED TO KNOW MORE 64

ABOUT MUTUAL FUNDS?
12 7.11 PLEASE ANSWER THIS QUESTION IN CASE YOU ARE 65

NOT INVESTING/ AWARE IN MUTUAL FUND
VIII

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EXECUTIVE SUMMARY

Project Title: Study of Awareness about Mutual Funds in Pune Region

SR.NO. TITAL PAGE NO

2 INDUSTRY / SECTOR PROFILE 4

2.1 MUTUAL FUND INDUSTRIES IN INDIA 5

2.2 TYPE OF MUTUAL FUND 10

2.3 WORKING OF MUTUAL FUND 14

2.5 FUND STRUCTURE & CONSTITUENTS 17

2.6 DIFFERENT METHODS ADOPTED BY VARIOUS ASSET 20

2.7 AMC’S PROMOTION AND CAMPAIGNING OF MUTUAL

3 COMPANY AND PRODUCT PROFILE 23

3.1 COMPANY PROFILE 24

3.2 IMPORTANT POINT 25

3.3 SAHARA INDIA PARIVAR OVERVIEW 26

3.5THE MAN AND HIS VISION 30

3.6 SAHARA’S CORE COMMITMENTS - OUR STRENGT 32

3.8 SAHARA INDIA FINANCIAL CORPORATION LIMITED 35

3.9 Type of Mutual Fund Schemes 37

3.11 SWOT ANALYSIS 43

5 OBJECTIVE AND SCOPE 47

5.2 SCOPE OF STUDY 49

7 DATA ANALYSIS AND INTERPRITATION 54

8 OBSERVATION AND FINNDING 66

10 SUGESSION AND RECOMMENDATION 70

LIST OF DIAGRAM / GRAPH

SR. NO. DAIGRAM / GRAPH TITAL PAGE NO.

1 2.1 GROWTH IN ASSETS UNDER MANAGEMENT 8

3 2.3DIFFERENT TYPES OF MUTUAL FUND 11

4 2.4 WORKING OF A MUTUAL FUND 14

5 3.1 PROFIT SHARING 25

6 3.2 BUSINESS ENTITIES 28

7 7.1 ARE YOU AWARE OF MUTUAL FUNDS 55

8 7.2 WHICH TYPE OF MUTUAL FUNDS ARE YOU AWARE 56

9 7.3 IN WHICH MUTUAL FUND SCHEME YOU PREFER TO 57

1O 7.4 ARE YOU AWARE ABOUT SAHARA MUTUAL 58

11 7.5 HAVE YOU INVESTED IN SAHARA MUTUAL FUNDS? 59

12 7.6 HOW DID YOU KNOW ABOUT MUTUAL FUNDS? 60

13 7.7 WHAT IS YOUR PRIMARY INVESTMENT PURPOSE? 61

14 7.8 HOW OFTEN DO YOU MAKE INVESTMENT 62

15 7.9 BEING A MUTUAL FUND INVESTOR, ARE YOU 63

16 7.10 WOULD YOU BE INTERESTED TO KNOW MORE 64

17 7.11 PLEASE ANSWER THIS QUESTION IN CASE YOU 65

SR. NO. TABLE PAGE NO.

1 3.1 SHARA INDIA PARIVAR 24

2 7.1 ARE YOU AWARE OF MUTUAL FUNDS 55

3 7.2 WHICH TYPE OF MUTUAL FUNDS ARE YOU AWARE 56

4 7.3 IN WHICH MUTUAL FUND SCHEME YOU PREFER TO 57

5 7.4 ARE YOU AWARE ABOUT SAHARA MUTUAL FUNDS? 58

6 7.5 HAVE YOU INVESTED IN SAHARA MUTUAL FUNDS? 59

7 7.6 HOW DID YOU KNOW ABOUT MUTUAL FUNDS? 60

8 7.7 WHAT IS YOUR PRIMARY INVESTMENT PURPOSE? 61

9 7.8 HOW OFTEN DO YOU MAKE INVESTMENT DECISIONS 62

10 7.9 BEING A MUTUAL FUND INVESTOR, ARE YOU AWARE 63

11 7.10 WOULD YOU BE INTERESTED TO KNOW MORE 64

12 7.11 PLEASE ANSWER THIS QUESTION IN CASE YOU ARE 65

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